This home is in Fairfield, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Sold·Closed Oct 12, 2026·11 days on market·Recent sales in Fairfield·Fairfield
109 Bay Hill Court
Ponte Vedra Beach, FL 32082
8 more homes for sale in Fairfield →Search Fairfield on the map
About this home
Fairfield
Located in a desirable gated community within a top-rated school district, this cottage-style home offers peaceful lake views and an open-concept design. The interior features vaulted ceilings, wood flooring, a fireplace with built-in cabinetry, and a formal dining area ideal for gathering. The updated kitchen includes white cabinetry, solid-surface countertops, a tile backsplash, tile flooring, and a breakfast nook. The spacious primary suite offers a vaulted ceiling and updated bath with dual vanities and a beautifully tiled walk-in shower. Enjoy water views from the enclosed sunroom, screened lanai, or paver patio--perfect for relaxing or grilling. Additional features include a two-car garage and paver driveway. HOA fees cover water, lawn maintenance, and irrigation. Just minutes from the beach, amenities include a pool, gym, sauna, hot tub, tennis, basketball and pickleball courts, playground, and secured RV/boat storage. Roof (2022), HVAC (2022), Water Heater (2018).
Next steps in Fairfield
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,652 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Park9 min drive · 202 parking spaces
Closest park or preserve
Nocatee Preserve17 min drive · 2,378 acres
Closest public boat ramp
Palm Valley Public Landingabout 4 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridgeabout 4 mi · Intracoastal Waterway
Closest youth league fields
Cornerstone Park6 min drive · Baseball
Closest grocery store
The Fresh Market5 min drive · 840 A1a N., Ponte Vedra
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,876/yr
Estimated taxes if purchased at asking price: ~$8,400/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Oct 28, 2026Closed$548,900
- Sep 21, 2026Pending$548,900
- Sep 8, 2026Listed$548,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $386/sq ft; this home is listed at $348/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 100 Vedra Landing Court, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTY | Jul 2026 | $759,500 | $386 | 3/2 | 1,969 | 8 | 0.2 |
| 802 Tournament Road, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $495,000 | $375 | 2/2 | 1,321 | 4 | 0.2 |
| 111 Island Drive, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLC | Jun 2026 | $960,000 | $502 | 3/2.5 | 1,911 | 9 | 0.2 |
| 7 Walkers Ridge Drive, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES, | Jul 2026 | $670,000 | $365 | 3/2 | 1,838 | 104 | 0.4 |
| 148 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $450,000 | $254 | 3/2 | 1,770 | 10 | 0.4 |
| 7 Northgate Drive, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES, | Jul 2026 | $660,000 | $452 | 2/2 | 1,459 | 214 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Sold by: MOXII PRO REALTY (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Fairfield
Fairfield is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Fairfield homes for sale →Keep looking
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Pending104 Bay Hill CourtPonte Vedra Beach, FL 32082
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$547,500Est. $2,914/moWelcome to this charming 3 bedroom, 2 bath home located in the desirable Fairfield neighborhood of Ponte Vedra Beach,…
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For Sale838 Tournament RoadPonte Vedra Beach, FL 32082
3 bd · 2 ba · 1,508 sq ft
$599,000Est. $3,188/moNEW ROOF WILL BE INSTALLED PRIOR TO CLOSING (GAF Timberline HDZ 50 year Roof). This light-filled beautifully updated…
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Under Contract829 Tournament RoadPonte Vedra Beach, FL 32082
3 bd · 2.5 ba · 1,790 sq ft
$599,000Est. $3,188/moBRAND NEW ROOF! Enjoy lakefront views from this well-maintained 3 bedroom, 2.5 bath home in the desirable Fairfield…
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 12, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines